Table 2.

Convergent validity.

	Outer loadings	Cronbach’s α	Composite reliability	AVE
Ad intrusiveness		0.936	0.948	0.724
When the ad was shown on, I thought it was distracting.	0.828
When the ad was shown, I thought it was disturbing.	0.855
When the ad was shown, I thought it was forced.	0.859
When the ad was shown, I thought it was interfering.	0.862
When the ad was shown, I thought it was intrusive.	0.88
When the ad was shown, I thought it was invasive.	0.852
When the ad was shown, I thought it was obtrusive.	0.817
App usage behavior		0.857	0.898	0.637
My mobile apps usage has substantially changed my life.	0.761
I intend to use more mobile apps in the near time.	0.76
I would use mobile apps without hesitation to satisfy my needs.	0.83
Using mobile apps make my life easier.	0.819
I receive a lot of benefits from my mobile apps.	0.819
Attitude toward App		0.825	0.896	0.741
Overall I find using mobile apps positive.	0.857
Overall I feel favorable toward mobile apps.	0.86
Overall I am satisfied with mobile apps provided by my smartphone.	0.865
Moderating 1	0.992	1	1	1
Gender	1	1	1	1
Privacy concerns		0.85	0.888	0.571
All things considered, the apps would cause serious privacy problems.	0.694
Compared to others, I am more sensitive about the way mobile apps handle my personal information.	0.75
To me, it is the most important thing to keep my privacy intact from mobile apps.	0.788
I believe other people are too much concerned with online privacy issues.	0.677
Compared with other subjects on my mind, personal privacy is very important.	0.813
I am concerned about threats to my personal privacy today.	0.803